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Model your HOA's reserve fund health over multiple years by entering the current balance, annual contribution, expected investment growth, and a major planned expense to see if you're adequately funded.
About this calculator
Project whether your HOA's reserve fund is on track by modeling annual contributions, expected expenses, and investment growth over time.
Frequently Asked Questions
What is a healthy HOA reserve fund level?
Many reserve studies recommend funding at least 70% of the fully funded reserve requirement, though best practice varies by state and association size.
What happens if the reserve fund runs out?
If reserves are insufficient when a major expense hits, the HOA typically must levy a special assessment on homeowners or take out a loan, both of which can be costly and disruptive.
How often should reserve contributions be reviewed?
A professional reserve study every 3-5 years, combined with annual budget reviews, helps ensure contributions keep pace with rising replacement costs.